Rocky Mountain Bank and Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on loans rose 0.28 percentage points from Q1 2026 to Q2 2026, ending at 7.34% against 7.06%. It was the largest change among the key lines on this page. Within Colorado, Rocky Mountain Bank and Trust is 40th of 63 on net interest margin, 3.84% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Rocky Mountain Bank and Trust reported 3.84% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 7.34% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $489K |
| Interest expense on deposits | $489K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.08% | 1.54% | 3.64% | 6.48% | 3.25% |
| Q4 2023 | 5.30% | 1.71% | 3.56% | 6.65% | 3.46% |
| Q1 2024 | 5.58% | 2.24% | 3.36% | 7.22% | 3.68% |
| Q2 2024 | 5.53% | 2.15% | 3.51% | 6.73% | 3.90% |
| Q3 2024 | 5.34% | 1.99% | 3.49% | 6.76% | 3.71% |
| Q4 2024 | 5.37% | 1.81% | 3.67% | 6.85% | 3.57% |
| Q1 2025 | 5.32% | 1.73% | 3.71% | 6.68% | 3.51% |
| Q2 2025 | 5.58% | 1.58% | 4.08% | 7.19% | 3.44% |
| Q3 2025 | 5.80% | 1.73% | 4.23% | 7.33% | 3.67% |
| Q4 2025 | 5.69% | 1.69% | 4.17% | 7.34% | 3.52% |
| Q1 2026 | 5.40% | 1.65% | 3.90% | 7.06% | 3.44% |
| Q2 2026 | 5.41% | 1.75% | 3.84% | 7.34% | 3.44% |
Rocky Mountain Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rocky Mountain Bank and Trust, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Rocky Mountain Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3019) · FFIEC NIC profile (RSSD 249658)